What is the official website of the payment service?
The official website of S-Pankki (S-Bank) is https://www.s-pankki.fi
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Where can I find the customer support contacts?
Customer support contacts are found on the S-Pankki official website under "Customer Service" and the contact page.
What is the hotline phone number?
The main customer service phone number is 010 76 5800.
Is there a toll-free support number?
There is no specific toll-free number mentioned; some helplines like banking code blocking service have local network charge or mobile network charge numbers.
What is the email address for technical support?
There is no specific technical support email publicly listed; general contact includes [email protected] for corporate enquiries.
Are there separate emails for different types of inquiries?
There are no clearly published separate emails for different inquiry types publicly available.
Where can I find the online chat support?
Online chat support is available through the S-Pankki website; specific location is on the customer service page.
Does the chat support work 24/7?
The customer service operates Monday to Friday 9 a.m. to 4 p.m. with no verified indication of 24/7 chat availability.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information indicating support via Telegram or WhatsApp.
What are the support working hours?
Customer support hours are Monday to Friday, 9 a.m. to 4 p.m.
Does support work on weekends and holidays?
Customer support does not work on weekends or public holidays.
Are there regional offices for in-person visits?
Yes, there are customer service points in about 80 locations including Prisma stores, Sokos department stores, and some S-market stores in Finland.
Where are the physical offices located?
The head office is located at Fleminginkatu 34, 00510 Helsinki, Finland.
Can I schedule a personal meeting?
Yes, you can book appointments to meet at customer service points and branches.
Are there representatives in different countries?
There are no international representative offices; S-Pankki operates mainly in Finland.
In which languages is support available?
Support is primarily provided in Finnish and Swedish; some basic service information is available in English.
How quickly does support respond to requests?
Typical response times during service hours are within business day timeframes; exact metrics not specified.
Is there a priority system for VIP clients?
There is no public information regarding a VIP priority support system.
Can I request a callback?
Callback service availability is not explicitly stated.
When was the payment service founded?
S-Pankki was founded in 2006.
Who is the founder and owner of the service?
S-Pankki is owned by SOK Corporation and the regional co-operatives of the S-Group retail cooperative organization.
In which country is the company registered?
The company is registered in Finland.
What is the development history of the payment service?
Founded in 2006 as Finland's first supermarket bank, S-Pankki has integrated retail and banking services. It expanded services such as online banking and mobile authentication, recently acquiring assets from Handelsbanken's Finnish retail banking.
Have there been major updates or rebranding?
Recent significant update is the planned acquisition of Handelsbanken's Finnish retail banking business, strengthening S-Pankki's market position.
Who sits on the company's board of directors?
Specific current board member details are not provided in the search results.
Are there investors or partners in the service?
The owners are SOK and regional co-operatives in the S-Group; they also collaborate professionally with partners like Signicat for authentication solutions.
Does the company participate in stock trading?
S-Pankki is a private company and does not appear publicly traded.
What is the company's market capitalization?
Market capitalization data is not publicly provided as it is not a publicly listed company.
Are there subsidiary companies or branches?
It has numerous customer service points across Finland but no detailed subsidiary information found.
What licenses does the payment service have?
S-Pankki is authorized as a Finnish bank and complies with Finnish and EU banking regulations.
In which jurisdictions does the service operate officially?
Officially operates in Finland.
Are there licenses for cryptocurrency operations?
No confirmed information on cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, S-Pankki complies with anti-money laundering and KYC regulations.
Are there security certificates (PCI DSS, etc.)?
Details on PCI DSS or equivalent security certificates are not specifically listed but it uses strong digital authentication technology.
Has the service undergone security audits?
Security audits are industry-standard but specific audit history is not provided.
Is there insurance for client funds?
Client funds protection follows Finnish banking standards, including deposit guarantee systems.
Which international standards does it comply with?
It complies with relevant EU financial regulations and Finnish banking rules.
Have there been any regulatory fines or violations?
In 2019, S-Pankki was fined approximately €1 million for deficiencies in AML monitoring; no money laundering detected.
Where can I find real reviews about the service?
Real user feedback can be found on Finnish consumer forums, banking review sites, and Reddit discussions.
What are the main user complaints?
Common complaints relate to language limitations (Finnish/Swedish), and some customer service accessibility issues abroad.
What do users most often praise the service for?
Users praise ease of mobile banking, competitive cashback and benefit programs, and strong integration with S-Group retail services.
Are there issues with fund withdrawals?
No widespread withdrawal issues reported.
Is the interface convenient according to users?
The online banking and S-mobiili app interface receive positive feedback for usability and security features.
Are clients satisfied with transaction speed?
Transaction speeds are generally rated satisfactory with instant or near-instant internal transfers.
Do users recommend this service?
Many Finnish users recommend the service, especially those in S-Group cooperative.
How do experts assess the service's reliability?
Experts highlight S-Pankki's stable position as a Finnish supermarket bank with robust technology.
Are there industry awards and recognitions?
Specific awards are not listed.
Does the service participate in payment system rankings?
No detailed ranking participation found.
Are there recommendations from financial regulators?
The bank operates under regulator supervision with no major ongoing compliance issues reported.
What reputation does the service have among partners?
It has a strong reputation in Finland, especially linked to the S-Group retail cooperative.
How do they evaluate solution innovation?
The combination of retail benefits and banking services is viewed as innovative.
Are there quality service certificates?
No specific quality certifications mentioned beyond regulatory compliance.
Does the company participate in industry conferences?
No specific information on conference participation found.
How does the service position itself in the market?
Positioned as Finland’s first supermarket bank combining retail cooperative benefits with banking services for everyday use.
Which fiat currencies does the service support?
Primarily supports Euro (EUR) as its operating currency.
Are cryptocurrencies supported? Which ones specifically?
No support for cryptocurrencies noted.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion is generally not a core service, focus is on EUR transactions.
What exchange rates are used for conversion?
Not applicable due to limited foreign currency services.
How often are exchange rates updated?
Not applicable.
Can exotic currencies be handled?
Unlikely, focus is on domestic currency only.
Are there currency restrictions in different countries?
Service operates primarily in Finland with no foreign currency accounts.
What types of transfers does the service support?
Supports domestic bank transfers, online payments, card payments, mobile payments, and peer-to-peer payments within Finland.
Can transfers be made between service users?
Yes, peer-to-peer transfers are supported within the service.
Are transfers to bank cards supported?
Not explicitly confirmed; card payment services are available.
Can money be transferred to bank accounts?
Yes, bank account transfers are available.
Is bill payment available?
Yes, bill payment services are supported.
Are recurring payments supported?
Recurring payment services are generally supported in Finnish banking practice.
Can automatic transfers be set up?
Yes, automatic transfer scheduling is commonly available.
Is payment scheduling available?
Payment scheduling is supported.
Are group payments supported?
No explicit information about group payments.
Can payment links be created?
No specific information about payment link creation.
What are the minimum transaction amounts in the service?
No publicly disclosed minimum transaction limits.
What are the maximum amounts that can be transferred?
Transaction limits depend on verification and account type; typical Finnish bank regulations apply.
Are there daily limits on operations?
Daily transaction limits generally apply according to Finnish banking regulations and account setup.
What monthly and annual limits are in effect?
Limits depend on user verification and banking policy.
Can limits be increased? How?
Limits can be increased by completing higher verification levels as per banking standards.
Do limits differ for verified users?
Yes, verified users enjoy higher transaction limits.
Are there restrictions for new accounts?
New accounts often have lower limits until verification is complete.
Do special limits apply in different countries?
Not applicable, service is focused in Finland.
Can operations be temporarily blocked?
Yes, operations can be blocked for suspicious activity or maintenance.
Are there limits on the number of daily operations?
Daily operation count limits may be imposed for security.
What are the minimum amounts for account funding?
No explicit minimum funding amounts disclosed.
What methods of funding are supported?
Account funding typically via bank transfers, direct deposit, and card payments.
Are there fees for funding?
No fees for account funding for most standard methods.
What are the minimum funding amounts?
No detailed public data on minimum funding.
How quickly are funds credited when funding?
Bank transfers are usually credited within 1-2 business days.
How can money be withdrawn from the system?
Withdrawals via card ATM, bank transfers, or cashier services.
Are there fees for fund withdrawal?
ATM withdrawals outside S-Group partner network may incur fees; within network usually free.
How long does withdrawal take?
Withdrawals are typically instant at ATM or same day for bank transfers.
What withdrawal limits are set?
Limits depend on account type and verification.
How quickly are funds credited when funding with a card?
Card funding is generally instant or within a few hours.
How long does a bank transfer take?
1-2 business days domestically.
How quickly do cryptocurrency transfers arrive?
Not applicable.
Are transfers between users instant?
Internal transfers within S-Pankki are typically instant.
Are there delays when funding on weekends?
Weekend funding may be delayed until next business day.
Do holidays affect funding speed?
Public holidays may delay processing times.
Can crediting be accelerated for a fee?
No specific express funding options noted.
What determines the speed of funding processing?
Banking hours, payment method, and clearing systems.
Are there notifications about funding status?
Users receive notifications via app or online banking.
What to do if funding takes too long?
Contact customer support to investigate delays.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within the same business day.
How long does card withdrawal take?
ATM withdrawals are immediate.
How quickly do bank transfers arrive?
1-2 business days.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends processed next business day.
Do holidays affect withdrawal speed?
Yes, they can cause delays.
Can withdrawal be accelerated for an additional fee?
No express withdrawal fee options publicly stated.
What determines withdrawal processing time?
Banking hours and payment method.
Are there notifications about withdrawal status?
Users can track withdrawal status via app or online banking.
Can a withdrawal request be canceled?
Cancellation depends on processing stage; usually possible if not completed.
How to register with the payment service?
Register online via the S-Pankki website or at customer service points by providing personal data.
What data is needed to create an account?
Personal identity information, Finnish personal identity code, contact details, and verification documents.
Can registration be done without email?
Registration generally requires email or online banking credentials.
Is phone confirmation required during registration?
Phone confirmation is typically part of the authentication process.
Are there age restrictions for registration?
Typically a minimum age of 18, with guardians required for minors.
Can a corporate account be created?
Yes, corporate accounts are available with required documentation.
Is it required to provide real data?
Yes, real identity verification is mandatory for regulatory compliance.
Are there country restrictions for registration?
Must have a Finnish personal identity code and address in Finland.
How long does account activation take?
Account activation is usually immediate upon verification.
What verification levels exist?
Basic and enhanced verification levels based on documentation.
What documents are required for basic verification?
Government-issued ID and proof of residence.
Are documents needed for full verification?
Enhanced verification may require more detailed identity and financial documents.
Are digital copies of documents accepted?
Yes, digital submissions are accepted.
How long does the verification procedure take?
Verification typically takes a few business days.
Can the service be used without verification?
Limited use until verification is complete.
What restrictions apply to unverified users?
Limited transaction amounts and access.
Is address confirmation required?
Yes, address must be confirmed with valid documentation.
Is a selfie with documents required?
May be requested for enhanced verification.
How often do documents need to be updated?
Periodically as required by regulations, typically every few years.
What encryption technologies does the service use?
Uses standard internet banking encryption protocols such as TLS/SSL.
Is two-factor authentication supported?
Yes, two-factor authentication is supported via the S-mobiili app and codes.
Are there SMS confirmations for operations?
SMS confirmations may be used for additional security.
Is biometric authentication supported?
Yes, biometric authentication like Face ID and fingerprint is supported in S-mobiili app.
Is blockchain technology used?
No public information about blockchain technology usage.
Is there a multi-level security system?
Yes, layered security including encryption, two-factor authentication, and biometric options.
How is user personal data protected?
User data is protected under Finnish and EU GDPR privacy laws with strict security measures.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Standard banking cybersecurity measures include DDoS protection.
Are regular security audits conducted?
Security audits are regularly conducted as per regulatory requirements.
What anti-phishing protection measures are provided?
Users are advised on safe practices and scam awareness; technical phishing filters are in place.
Is there a suspicious activity detection system?
Yes, fraud and suspicious transaction monitoring systems are active.
How does the service combat money laundering?
Implements AML policies, KYC checks, and continuous monitoring of transactions.
Is there blocking of suspicious accounts?
Yes, accounts may be blocked if suspicious activity is detected.
What to do when fraud is detected?
Report to customer service immediately and block access if necessary.
How to report suspicious activity?
Via customer service phone, online banking, or app.
Is there compensation for damage from fraudsters?
Compensation policies align with Finnish banking laws and consumer protection.
What user rights exist for disputed transactions?
Users can dispute transactions through formal procedures with the bank and regulators.
How to dispute account blocking?
Contact customer service and provide verification documents to resolve.
Is there insurance against cyber attacks?
The bank holds cybersecurity insurance as part of operational risk management.
What fees does the service charge for transfers?
Standard Finnish banking transfer fees apply; most daily transfers are free for customers.
Are there fees for account funding?
No fees generally for account funding.
Are fees charged for fund withdrawal?
Withdrawal fees may apply outside partner networks or for special services.
Are there fees for currency conversion?
Currency conversion fees apply if applicable.
Are there fees for account inactivity?
No widely reported inactivity fees.
Are there account maintenance fees?
Basic services may be free for co-op members; others may have fees.
Are fees charged for operation cancellation?
Operation cancellation fees are not commonly applied.
Are there fees for expedited operations?
No public express fee schemes.
Are there hidden fees?
Fees are disclosed transparently according to banking regulations.
How are fees calculated for large amounts?
Large transactions may incur fees conforming to Finnish banking standards.
Are there different tariff plans in the service?
Tariffs differ by account type and customer category.
What advantages does VIP status provide?
No specific VIP status is detailed.
How to get preferential conditions?
Preferred service conditions generally relate to customer loyalty within S-Group.
Are there free operations per month?
Basic operations are usually free for co-op members.
Are there discounts for active users?
Cashback and bonuses can be earned via co-op membership.
Are there corporate tariffs?
Corporate accounts have tailored pricing and service agreements.
Can individual conditions be obtained?
Custom agreements possible for business customers.
Do promotional codes work for fee reduction?
No public information on promo codes.
Are there cashback programs?
Yes, payment method benefit offers up to 5.5% cashback at S-Group stores.
Are there discounts for transaction volumes?
Volume discounts not publicly detailed.
Is there an official mobile application?
Yes, the official app is S-mobiili.
On which platforms is the application available?
The app is available on iOS and Android.
What functions are available in the mobile application?
Account management, payments, card controls, loan applications, and identification services.
Does functionality differ from the web version?
The mobile app offers biometric login and some convenience features not on web.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported in the mobile app.
Can the application work offline?
Offline features are limited; online connection is required for transactions.
Are there push notifications about operations?
Yes, push notifications about transactions and statuses are available.
Is dark theme supported?
Dark mode support is available in the S-mobiili app.
How often is the mobile application updated?
The app is regularly updated with security and feature improvements.
Are there beta versions of the application?
No public beta program found.
Is the web interface of the service convenient?
The web banking interface is user-friendly but only in Finnish or Swedish primarily.
Is responsive design supported?
Yes, the online banking website adapts to different device screens.
In which languages is the interface available?
Finnish, Swedish, and partial English for the app.
Is there a night mode for the website?
Night/dark mode on web is not specified.
Are hotkeys supported?
Hotkeys are not commonly supported.
Can data be exported?
Some transaction data export options are typically provided.
Is there an API for developers?
S-Pankki provides Open Banking APIs for developers.
Is integration with other services supported?
Open Banking services enable integration with third-party apps.
How often is the web interface updated?
Web platform updates occur periodically to improve services.
Are there virtual cards in the service?
No clear information on virtual card issuance.
Can disposable cards be created?
No evidence of disposable card service.
Is multi-currency account functionality supported?
No multi-currency accounts; focus is on EUR only.
Are there investment products?
Yes, investment services are provided.
Can interest be earned on balance?
Interest on deposits is offered according to Finnish banking terms.
Are there credit products?
Loans and credit products are available.
Is P2P trading supported?
Peer-to-peer money transfer within service is supported, not trading.
Can cryptocurrencies be bought/sold?
No cryptocurrency exchange services offered.
Is there acquiring for business?
Merchant acquiring services are not clearly stated.
Are mass payouts supported?
No detailed mass payout services information.
Is there a loyalty program in the service?
Yes, connected to S-Group co-op membership.
How are bonus points earned?
Bonus points are earned via purchases using S-Etukortti Visa.
Is there cashback for operations?
Yes, cashback via payment method benefit is available.
Are there referral programs?
No public referral program found.
What privileges do VIP clients have?
VIP privileges not specified.
Are there seasonal promotions and offers?
Seasonal promotions occur within S-Group retail benefits.
Can premium status be obtained?
Premium account status is not public.
Are there partner discounts?
Partner discounts exist in S-Group network.
Are there corporate loyalty programs?
Corporate loyalty programs are not detailed.
Does the service allow operations with online casinos?
No public information on online casino transaction acceptance.
Are there restrictions on gambling transactions?
Gambling transaction policies are not specified.
Can accounts be blocked for casino play?
No public info on blocking accounts for gambling.
How does the service view gambling?
Service stance on gambling transactions is not publicly stated.
Are there special conditions for gambling?
None publicly documented.
Are casino transactions tracked?
Not specified publicly.
Can operations with gambling sites be hidden?
No information available.
Are there notifications about gambling expenses?
No public gambling-specific expense notifications.
Are there special fees for gambling operations?
No specific gambling fees noted.
Can limits be set on gambling?
No public gambling limit controls.
Is there a self-exclusion function?
No publicly available self-exclusion features.
Can access to gambling sites be restricted?
No information.
Is gambling expense control supported?
No documented gambling expenditure controls.
Can operations with casinos be blocked?
No documented blocking.
Is a "cooling-off period" supported?
Not specified.
Can help be obtained for gambling addiction?
Not publicly documented.
Is there partnership with player assistance organizations?
No public info.
How to set up gambling expense notifications?
Not available.
Which online casinos accept this payment method?
No public list.
How do casino operators typically process transactions from this method?
Not applicable.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
Not applicable.
Are there any known compatibility issues with major casino platforms?
None known.